Building and Commercial Property

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Helping You Find the Best Insurance

As an Independent Insurance Broker, we give you choices. We are proud to represent many quality companies that provide our clients great service and competitive prices. We are not limited to a single company with a limited set of options. We are dedicated to help you find the right auto coverage at the right price. Let our experience and expertise go to work for you. We are here to help.

Building And Personal Property Coverage At A Glance

Building and personal property insurance is a commercial insurance coverage used to cover buildings, business personal property, and the property of others while it is under the care, custody, or controlled of the insured. Subject to provisions and conditions, coverage applies to the property described in the declarations page of the policy in each of these three categories. Coverage limits in each category are also described in the declarations page of the policy. The coverage(s) is generally subject to a deductible and the covered property must be insured to meet a minimum percentage of its actual cash value, most commonly 80%, described as the coinsurance percentage. If coverage falls below the minimum coinsurance percentage in the event of a loss, the amount recovered by the insured may be lessened. Learn more about Building and Commercial Property Insurance Request a free quote